Insurance Glossary

Claim

A formal request to your insurer for payment on a covered loss.

Claim

A claim is your formal request for your insurer to pay for a covered loss. The process typically involves:

  1. Report the incident
  2. Provide documentation (police report, photos, estimates)
  3. Adjuster inspection
  4. Settlement offer
  5. Payment after your deductible

Filing a claim can affect your future premium — especially at-fault claims.

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